ليبيا KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في ليبيا.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ ليبيا؟
تحوّل قائمة ليبيا قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و33 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- FIU
- Libyan Financial Information Unit
- Primary AML rule
- Resolution No. 1013 of 2017 issuing the AML/CFT Law
- Suspicion reporting
- Without delay; FIU guide says within 24 hours
- Thresholds
- Committee and sector specific; no universal amount asserted
- Core AML retention
- At least 5 years
- FATF status
- Not named on FATF public lists as at 19 June 2026
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في ليبيا
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingResolve the reporting entity, regulated activity, territory and supervisor before launch.3 عناصر+
Determine whether each activity is in AML/CFT scope.
- إجراء التنفيذ
- Map every entity, product, channel and profession to the financial-institution, DNFBP or nonprofit categories under Resolution 1013/2017; identify the FIU and each competent sector supervisor.
- الأدلة الواجب الاحتفاظ بها
- Applicability memo, product map and accountable-owner register.
- المصدر الأساسي
- Resolution 1013/2017, Articles 1, 12 and 15
Complete current FIU and supervisory registration.
- إجراء التنفيذ
- Confirm registration required by the competent supervisor, obtain the current FIU reporting form and secure-channel instructions, and test user authority, delivery and receipts.
- الأدلة الواجب الاحتفاظ بها
- Registration, authority correspondence, channel test and contact log.
- المصدر الأساسي
- Resolution 1013/2017, Articles 9, 12 and 15; Libyan FIU reporting page
Obtain authorisation before regulated activity.
- إجراء التنفيذ
- Classify banking, payments, e-money, remittance, foreign exchange, insurance, securities, agent, fintech and virtual-asset activities and obtain every required approval before launch.
- الأدلة الواجب الاحتفاظ بها
- Perimeter analysis, licences, conditions and renewal calendar.
- المصدر الأساسي
- Resolution 1013/2017, Articles 12-15 and 50; applicable Central Bank and sector rules
02Governance and risk assessmentControls must be risk-based, documented, resourced and independently tested.3 عناصر+
Maintain a written ML/TF risk assessment.
- إجراء التنفيذ
- Assess customers, products, delivery channels, geography, cash, agents, technology, virtual assets and proliferation exposure; update the assessment periodically and before material change.
- الأدلة الواجب الاحتفاظ بها
- Approved methodology, assessment, controls and version history.
- المصدر الأساسي
- Resolution 1013/2017, Article 16
Maintain senior compliance ownership and written controls.
- إجراء التنفيذ
- Establish a management-level compliance arrangement and written CDD, monitoring, reporting, records, confidentiality, employee-screening, training and group controls proportionate to the business.
- الأدلة الواجب الاحتفاظ بها
- Appointment, policies, training, screening and board reporting.
- المصدر الأساسي
- Resolution 1013/2017, Articles 32-34
Independently test the programme.
- إجراء التنفيذ
- Use an adequately resourced internal-audit or independent review function to test design and operation, document deficiencies and track remediation through closure.
- الأدلة الواجب الاحتفاظ بها
- Audit plan, reports, findings and closure evidence.
- المصدر الأساسي
- Resolution 1013/2017, Article 32
03Natural-person identificationCDD uses reliable independent evidence and continues through the relationship.3 عناصر+
Identify and verify the customer and representative.
- إجراء التنفيذ
- Use reliable independent documents, data or information; verify any representative's identity and authority and prohibit anonymous or clearly fictitious-name accounts.
- الأدلة الواجب الاحتفاظ بها
- Identity file, source provenance, mandate and verification result.
- المصدر الأساسي
- Resolution 1013/2017, Article 19(1)-(2)
Understand purpose and expected activity.
- إجراء التنفيذ
- Record the purpose and intended nature of the relationship, expected activity, counterparties, geography and source information sufficient for risk rating and ongoing monitoring.
- الأدلة الواجب الاحتفاظ بها
- Customer profile, expected-activity baseline and approval.
- المصدر الأساسي
- Resolution 1013/2017, Article 19(2)
Do not proceed where mandatory CDD fails.
- إجراء التنفيذ
- Refrain from opening, establishing or executing, or terminate the relationship, when required identification or verification cannot be completed; consider a confidential suspicious report.
- الأدلة الواجب الاحتفاظ بها
- Decline or exit decision, investigation and restricted reporting record.
- المصدر الأساسي
- Resolution 1013/2017, Article 25
04KYB, registries, and beneficial ownershipVerify legal existence, authority, ownership and control without inventing a percentage threshold.3 عناصر+
Verify legal existence, activities and authority.
- إجراء التنفيذ
- Obtain current commercial-registry evidence, constitutional records, registered address, directors, senior managers, shareholders, signatories, licences and mandates; reconcile inconsistencies.
- الأدلة الواجب الاحتفاظ بها
- Registry extract, governing records, powers and discrepancy log.
- المصدر الأساسي
- Resolution 1013/2017, Article 19(2)-(3); Commercial Activity Law No. 23 of 2010
Apply the statutory beneficial-owner cascade.
- إجراء التنفيذ
- Identify natural persons holding a controlling share or controlling through other means; use the responsible manager only when no natural person is identified through those limbs, and verify identities with reliable independent evidence.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, control analysis, verified identities and fallback rationale.
- المصدر الأساسي
- Resolution 1013/2017, Article 19(2)-(3)
Keep company and ownership evidence current.
- إجراء التنفيذ
- Monitor changes to legal form, registration, ownership, control, directors and authority; refresh registry and customer evidence according to risk and investigate discrepancies.
- الأدلة الواجب الاحتفاظ بها
- Refresh schedule, extracts, declarations and discrepancy decisions.
- المصدر الأساسي
- Resolution 1013/2017, Articles 19 and 29; Commercial Activity Law No. 23 of 2010
05PEPs, EDD, and remote onboardingPEPs, higher-risk and non-face-to-face relationships require enhanced controls.3 عناصر+
Detect PEP exposure.
- إجراء التنفيذ
- Use appropriate risk-management systems to identify whether a customer or beneficial owner is a PEP, including relevant family members and close associates.
- الأدلة الواجب الاحتفاظ بها
- Screening, relationship map, match decision and refresh log.
- المصدر الأساسي
- Resolution 1013/2017, Article 23
Apply enhanced approval, provenance and monitoring.
- إجراء التنفيذ
- Obtain senior-management approval, take reasonable measures to establish source of wealth and funds, and apply enhanced ongoing monitoring to PEP relationships.
- الأدلة الواجب الاحتفاظ بها
- Approval, provenance analysis and monitoring plan.
- المصدر الأساسي
- Resolution 1013/2017, Article 23
Control remote and biometric onboarding.
- إجراء التنفيذ
- Use sufficient defined measures for non-face-to-face customers; assess impersonation, liveness, device, data minimisation and security before deployment, and preserve a reliable electronic record.
- الأدلة الواجب الاحتفاظ بها
- Remote-onboarding assessment, data review, tests and approvals.
- المصدر الأساسي
- Resolution 1013/2017, Articles 16 and 19(7); Electronic Transactions Law No. 6 of 2022
06Monitoring and suspicious reportingFIU reporting must be prompt, complete and confidential.3 عناصر+
Monitor activity against the customer profile.
- إجراء التنفيذ
- Scrutinise transactions throughout the relationship for consistency with customer, business, risk and source information; examine complex, unusually large or unexplained activity and document conclusions.
- الأدلة الواجب الاحتفاظ بها
- Alerts, investigation, disposition and rule governance.
- المصدر الأساسي
- Resolution 1013/2017, Articles 19 and 31
Report suspicion and attempts promptly.
- إجراء التنفيذ
- Report to the Libyan FIU without delay any suspicious transaction or attempt regardless of value; operationalise the FIU guide's expectation to submit within 24 hours after reasonable grounds arise.
- الأدلة الواجب الاحتفاظ بها
- Decision chronology, STR or SAR, supporting material, delivery and receipt.
- المصدر الأساسي
- Resolution 1013/2017, Article 27; FIU Suspicious Transaction Reporting Guide 2023
Prevent tipping off.
- إجراء التنفيذ
- Restrict access and do not disclose a report, submitted information or related investigation to the customer or unauthorised persons.
- الأدلة الواجب الاحتفاظ بها
- Access logs, confidentiality procedure and training.
- المصدر الأساسي
- Resolution 1013/2017, Article 28
07Payments, wires, thresholds, and agentsAmounts are set by current committee or sector instruments rather than one universal threshold.3 عناصر+
Configure only verified CDD thresholds.
- إجراء التنفيذ
- Apply occasional-transaction CDD and aggregation only at the current amount set by the National Committee or relevant sector rule; retain the authoritative instrument and do not infer a universal threshold.
- الأدلة الواجب الاحتفاظ بها
- Legal mapping, configuration, test cases and approval.
- المصدر الأساسي
- Resolution 1013/2017, Articles 18-19; National Committee Decision No. 1 of 2019
Preserve required wire-transfer information.
- إجراء التنفيذ
- For transfers above the current committee-set amount, obtain and verify originator and beneficiary information, carry it in the payment message, retain it and apply risk-based rules to incomplete transfers.
- الأدلة الواجب الاحتفاظ بها
- Threshold authority, message samples, validation rules and exceptions.
- المصدر الأساسي
- Resolution 1013/2017, Article 26; National Committee Decision No. 1 of 2019
Retain accountability for agents and third parties.
- إجراء التنفيذ
- Verify permissions, conduct due diligence, contract for confidentiality, security and prompt record access, and retain primary responsibility for relied-on CDD and outsourced activity.
- الأدلة الواجب الاحتفاظ بها
- Due diligence, contract, monitoring and retrieval test.
- المصدر الأساسي
- Resolution 1013/2017, Articles 22 and 32; applicable Central Bank payment rules
08Targeted financial sanctionsUse current UN and national designations and Libya's statutory implementation process.3 عناصر+
Screen applicable designations promptly.
- إجراء التنفيذ
- Obtain current UN and communicated national lists and screen customers, beneficial owners, controllers, representatives and relevant transactions at onboarding, list updates and before execution.
- الأدلة الواجب الاحتفاظ بها
- List inventory, update logs, screening configuration and dispositions.
- المصدر الأساسي
- Resolution 1013/2017, Article 81; Resolution 1037/2017
Freeze covered funds and resources without delay.
- إجراء التنفيذ
- On a confirmed designation, freeze covered funds and economic resources without prior notice, prevent prohibited availability and notify the implementing authority within three days.
- الأدلة الواجب الاحتفاظ بها
- Freeze procedure, timestamps, legal basis, report and authority communication.
- المصدر الأساسي
- Resolution 1013/2017, Article 81(6)-(8); Resolution 1037/2017
Govern false positives, exceptions and release.
- إجراء التنفيذ
- Escalate potential matches through the current implementing-authority process; permit access, exemption, unfreezing or delisting only on documented lawful authority.
- الأدلة الواجب الاحتفاظ بها
- Match rationale, reports, authority instruction and reconciliation.
- المصدر الأساسي
- Resolution 1013/2017, Article 81(10); Resolution 1037/2017
09Records and regulator accessRecords must reconstruct the customer, transaction, ownership and decision.3 عناصر+
Retain core AML records for at least five years.
- إجراء التنفيذ
- Keep identity, beneficial ownership, account, correspondence and analysis records for at least 5 years after the relationship ends or after an occasional transaction.
- الأدلة الواجب الاحتفاظ بها
- Schedule, configuration, archive sample and legal-hold log.
- المصدر الأساسي
- Resolution 1013/2017, Article 29(1)
Retain attempted and completed transaction records.
- إجراء التنفيذ
- Keep records sufficient to reconstruct attempted and completed transactions for at least 5 years after the attempt or completion, and longer when a competent authority requires it.
- الأدلة الواجب الاحتفاظ بها
- Transaction archive, attempted-transaction log and retrieval test.
- المصدر الأساسي
- Resolution 1013/2017, Article 29(1)-(2)
Respond securely to competent requests.
- إجراء التنفيذ
- Authenticate requests, protect reporting confidentiality, produce reconstructable records promptly and log scope, timing and receipt.
- الأدلة الواجب الاحتفاظ بها
- Request, approval, production index and acknowledgement.
- المصدر الأساسي
- Resolution 1013/2017, Articles 6, 12 and 30
10Privacy, biometrics, and transfersApply Libya's electronic-transactions and sector data rules to the extent they cover the processing; do not present them as a general comprehensive privacy code.3 عناصر+
Map the applicable data rule and processing purpose.
- إجراء التنفيذ
- Document statutory AML purposes, notices, data categories, access, sharing and retention; separately identify when Electronic Transactions Law Articles 73-79 or a sector rule applies.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, applicability assessment, notices and retention map.
- المصدر الأساسي
- Electronic Transactions Law No. 6 of 2022, Articles 73-79; Resolution 1013/2017, Article 29
Protect identity and reporting data.
- إجراء التنفيذ
- Apply proportionate confidentiality, access, integrity, incident and processor controls, with heightened restrictions for suspicious-report information.
- الأدلة الواجب الاحتفاظ بها
- Risk assessment, contracts, security tests and incident records.
- المصدر الأساسي
- Resolution 1013/2017, Article 28; Electronic Transactions Law No. 6 of 2022, Articles 75-76
Control covered cross-border personal-data transfers.
- إجراء التنفيذ
- Where Article 78 applies, assess the data, purpose, duration, destination law and commitments, relevant rules and security measures before transfer; separately confirm banking-sector requirements.
- الأدلة الواجب الاحتفاظ بها
- Transfer analysis, safeguards, contract and approval.
- المصدر الأساسي
- Electronic Transactions Law No. 6 of 2022, Article 78; Central Bank Circular No. 18 of 2025
11Practical evidence packsMaintain concise packs that reproduce decisions and support supervision.3 عناصر+
Maintain a reconstructable onboarding pack.
- إجراء التنفيذ
- Bundle identity, KYB, beneficial ownership, screening, risk, approvals, data records and exceptions under stable identifiers.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled onboarding pack.
- المصدر الأساسي
- Operational control supporting Resolution 1013/2017, Articles 16-25 and 29
Maintain a reconstructable monitoring and reporting pack.
- إجراء التنفيذ
- Link transactions, alerts, analysis, approvals, FIU reports, delivery evidence and post-filing controls while protecting confidentiality.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled case pack and access log.
- المصدر الأساسي
- Operational control supporting Resolution 1013/2017, Articles 27-32
Maintain a launch and change-control pack.
- إجراء التنفيذ
- Record licensing, threshold sources, sanctions-list sources, privacy applicability, product risk, testing and authority confirmations before launch and material changes.
- الأدلة الواجب الاحتفاظ بها
- Signed launch pack, legal-source register and change approvals.
- المصدر الأساسي
- Operational control supporting Resolution 1013/2017, Articles 12-16 and 50
سجل المصادر الأساسية
12 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Resolution No. 1013 of 2017 issuing the Anti-Money Laundering and Terrorism Financing LawLibya Official Gazette / Law Society of Libya · Primary national legislation
- Official Gazette, 2018 special issue No. 1Libya Ministry of Justice / Law Society of Libya · Official gazette record
- Legislation and regulatory instruments libraryLibyan Financial Information Unit · Official FIU legal materials
- Suspicious transaction reporting instructions and formLibyan Financial Information Unit · Official FIU reporting guidance
- Financial Information Unit annual report 2018-2023Libyan Financial Information Unit · Official FIU report
- Laws library, including Banking Law and Commercial Activity LawCentral Bank of Libya · Official legislation library
- Regulatory Rules of the Libyan National Payment SchemeCentral Bank of Libya · Official payment-system rules
- Electronic Transactions Law No. 6 of 2022Libya House of Representatives / Law Society of Libya · Primary national legislation
- MENAFATF annual report 2024MENAFATF · Authoritative regional assessment record
- FATF high-risk and monitored jurisdictionsFATF · Authoritative current status
- United Nations Security Council consolidated sanctions listUnited Nations · Authoritative sanctions list
- United Nations Security Council Libya sanctions committeeUnited Nations · Authoritative country sanctions materials
إجابات مباشرة
أسئلة KYC وKYB وAML في ليبيا
Who receives suspicious transaction reports?+
The Libyan Financial Information Unit, using its current form and secure reporting route.
When is suspicion reported?+
Resolution 1013/2017 requires reporting without delay for transactions and attempts regardless of value. The FIU's 2023 reporting guide says to submit within 24 hours after reasonable grounds arise.
Is there one universal threshold?+
No universal amount is asserted. Resolution 1013/2017 delegates occasional-transaction and wire thresholds to the National Committee, with sector instruments also relevant.
How is beneficial ownership determined?+
Identify natural persons with a controlling share or control by other means; use the responsible manager only when no natural person is identified through those limbs. The core law does not state a percentage in Article 19.
How long are AML records retained?+
At least 5 years after the relationship ends or the occasional transaction, attempt or completed transaction, and longer where a competent authority requires it.
What privacy rules apply?+
Law No. 6 of 2022 contains personal-data rules within its electronic-transactions scope. Confirm its application and any sector rule for each processing activity rather than treating it as a general comprehensive privacy code.
Is Libya on a FATF public list?+
It was not named on FATF's high-risk or increased-monitoring lists current at 19 June 2026. MENAFATF's 2024 report records that Libya's second-round evaluation remained deferred because of security conditions.
Can a payment, fintech or virtual-asset product launch without approval?+
No. Classify the activity and obtain every applicable Central Bank or other competent-authority permission before launch.
منهجية البحث والمراجعة
تحدد VOVE ID Compliance Research النطاق التنظيمي، وتحول الالتزامات إلى ضوابط تشغيلية، وتربط الادعاءات الجوهرية بالمصادر، وتسجل تاريخ وإصدار كل مراجعة.
General regulatory information, not legal advice or a licence determination. Reviewed as applicable on 31 August 2026. Confirm the current legal and territorial application of national instruments, committee-set CDD and wire thresholds, FIU filing specifications, sanctions communications, registry evidence, data rules and product-specific permissions with the competent authority and qualified Libyan counsel before launch.